Buy To Let Calculator


As Now Transitional Rules New Rules
2016/17 2017/18 2018/19 2019/20 2020/21
Rental Income
Running Costs
Mortgage Interest
Deductible Mortgage Interest
Taxable Rental Income
Tax on Rental Income
Mortgage Interest Relief
Tax Due on Rental Income
Net Profit/Loss after Tax



2016/17 2017/18 2018/19 2019/20 2020/21


  1. The above illustrations are indicative and don't cover all possible scenarios.Your circumstances will determine your total tax liability.
  2. Rental income and mortgage costs remain the same over time. Mortgage payments are calculated on an interest only basis.
  3. In some circumstances, losses may be carried over to subsequent tax years, this calculator doesn't take account of losses.
  4. As tax is paid in arrears, this calculator isn't representative of cash flow.
  5. Additional fees, including Early Repayment Charges(ERCs), may apply.


0% Threshold £11,000
20% Threshold £43,000
40% Threshold £150,000
45% Threshold Over £150,000


The value of tax reliefs depends on your individual circumstances. Tax laws can change. The Financial Conduct Authority does not regulate tax advice.
No responsibility can be accepted for any loss as a result of acts or omissions taken in respect of use of this calculator.
Thresholds, rates and tax legislation may change in subsequent Finance Acts. Levels, bases of and reliefs from taxation are subject to change and depend on individual circumstances.
These calculators provide examples to help with budgeting and not to choose a mortgage.


© Private Finance Limited, 2019. Private Finance provides independent mortgage advice and arranges individual mortgage solutions for clients. Private Finance is a trading style of Private Finance Ltd, 29 Lincolns Inn Fields, London, WC2A 3EG, registered in England no. 3855776 and its Appointed Representatives. Private Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA registration number 310566).

Private Finance Ltd is rated 4.95 stars by based on 699 merchant reviews

4.95 / 5 Rating
699 Reviews
From the start Private Finance, specifically Sean Hirschle were exceptionally helpful. Most brokers say they have access to the whole market, but from using another broker before and then Private Finance I can say that Private Finance really do seem to have access to the majority of the market. Quick to respond and informative all the way they helped to push the lender and solicitors when the conveyancing was taking time, they really did meet and exceed my expectations. I would not hesitate to recommend them or use them again. Thank you.
A very efficient and smooth process from beginning to end. The team in Shrewsbury were great, got the deal that worked for us and will definitely use Private Finance again.
I have used Financial advisers before, but seldom is the service as efficient and tailor-made as the one that I received from the entire team at Private Finance limited. Edward Checkley who spearheaded all aspects, from advising on Refinance to purchase of my property, blew me away with his wealth of knowledge and expertise in the field of mortgages and finance. He gave me the best possible honest and helpful advice. Alex Aiton and Donovan Mawson, also supported me throughout the process, tirelessly picking up calls and answering, at times mundane and repetitive questions from my end. Not once have I called, and it has not been picked up immediately, the support and level of professionalism has been exemplary. Such service for the price I paid is worth its weight in gold. I will definitely be using these fine individuals again for any financial or property related investments in the very near future. Great work guys and thank you ever so much!!!
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